Review and analysis of over 345 complaints against Capital One
Capital One consumers have reported over 345 official complaints related to Late fee. Out of the 345 consumer complaints against Capital One, 11% were disputed by the consumer (i.e. the consumer was not happy with how Capital One responded to their complaint) and 99% were processed in a timely manner. 52% of consumer complaints against Capital One resulted in the consumer receiving monetary compensation (e.g. money, cash reimbursement, etc.) and 4% resulted in non-monetary compensation.
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Capital One Credit card late fee December 29, 2016 - I have been a Capital One credit card holder for many years. I have never missed a payment. Earlier in the year, I missed the minimum payment by mistake ( although I did make a payment ) and I did not receive any correspondence on this issue from Capital One. They have sense charged me a - dollar a month fee every month sense and recently charged me late on my credit report for -/-/2016. As soon as I was made aware of the issue I resolved it with them. But this required me to call customer service and go digging around in past statements. I am very upset that this issue took a year to res... |
Capital One Credit card late fee December 7, 2016 - Capital One Bank is being completely unreasonable. I was out of the country on - separate occasions ( - and - ) and missed - payments months apart. I had an average of $15000.00 in my account during those months. The account had been open for a number of years and never late. I provided proof of these statements and Passport travel to Capital One Bank but they will not remove from my credit report.... |
Capital One Credit card late fee November 18, 2016 - I did not know there was a balance after the disputed item were credited back to the account. And even if that was the case, why was n't the due balance automatically debited from the checking account like it has been done for the past 6 years, which I was NEVER being late. I made a payment via mail for - on -/-/2016. I have not access to the account anymore because it was blocked by the bank, which made it impossible to make a payment. I would have not put myself through all this - for $38.00, and this headache. The company still have not addressed the following issues, It MUS... |
Capital One Credit card late fee November 15, 2016 - I recently applied for a Cap One card- because I wanted to establish a form of credit, to begin a successful record to reflect responsibility from a consumer/customer. I received the card, after paying $50.00 for it, w/an available balance of $200.00. I charged up the $200.00 and looked forward to paying my monthly fee, going forward. I paid my first payment online on -/-/16. At the same time, I signed up for auto pay, to make electronic payments for the min amount, easier than remembering to pay each month. However, on -/-/16, I sat around waiting for the auto payment to be ... |
Capital One Credit card late fee November 10, 2016 - I was charged a late fee on -/-/2015 & -/-/2015 of $35.00 each that were supposed to have been removed & credited back to my account. When I pay over the telephone I 'm told the payment is processed on time yet I get charged a late fee anyhow. When I 'd contact customer service within a couple days of this happening I 'd be assured the late charges would be removed & credited to my account. But this is n't always the case. Because I 'm recovering from a series of procedures I 'm unable to keep as close of an eye on my account. The last time I contacted customer service I was to t... |
Capital One Credit card late fee November 10, 2016 - I was charged a late fee on -/-/2015 for $25.00 that was supposed to be removed. I was also charged a late fee on -/-/2015 for $25.00 that was supposed to be removed as well. When I make my monthly payment over the telephone I would be told it was on time. But if for some reason I was charged a late fee to contact customer service & they would remove the charge. I would contact customer service the day or a couple days after & they would assure me charges would be removed, but that 's has n't always been the case. The last time I contacted customer service they said since so mu... |
Capital One Credit card late fee November 8, 2016 - To Whom This May Concern, I received a call from Kohl 's on -/-/- that I was late in making a credit card payment. I was surprised because I never received a payment statement in the mail. I was told I signed up for email statements ( which I do not recall ) and doubt I would have intentionally agreed upon. However, I receive numerous emails from Kohl 's daily and do n't even read them because they are advertisements and I could have easily deleted an email statement as I was not expecting one. I intentionally do not accept email statements because I like to have my statements deliver... |
Capital One Credit card late fee August 24, 2016 - I opened a " Kohl 's '' charge account which I always have paid more than the amount due. I did not always receive my bill on time, a few times I had been late. I found that I was being charged more than what I owed because of them adding a very high late charge, when I had already sent in the payment. The last time I got - of these late charges I paid it with a small balance on my account. I owed nothing. Next thing I know they send me a bill with a late charge as the balance and a interest amount on top of it. I contacted them and told them what was going on and they just kept trying to c... |
Capital One Credit card late fee August 14, 2016 - In - 2016 I had a secured credit card through Capital One that was closed. After application of the security deposit it left a balance of $35.00. While the account is being reported to the credit reporting agencies as closed a recent review of my annual credit reports reflects that Capital One is reporting the account in a derogatory status ( " past due '' ). A review of my statements from Capital One shows that while the account was closed and had a balance due I am still being assessed past due fees and interest. As of my most recent statement I have been charged in total $55.00 in fe... |
Capital One Credit card late fee August 8, 2016 - [ - - ] [ - - -. - - -, T- - ] Account Number : [ - ] [ -/-/2016 ] To Whom It May Concern : Thank you for taking the time to read this letter, and I hope your day is going well. I 'm writing because I noticed that my most recent credit report contains late payments on my Capital One account. I want you to know that I understand my financial obligations, and if it were n't for my job cutting my pay then I would have been able to make full payments instead of partial payments. I 'd have an excellent repayment record. I made a mistake in falling behind, but si... |
Capital One Credit card late fee August 4, 2016 - Capital One case # - Agent : " - '' Rep ID - - During my honeymoon ( -/-/--/-/- ) I was traveling outside the country ( - ) and did not have the ability to submit my credit card payment on time ( Due -/-/- ). I called once back in the USA to make payment, and to ask about the late fee being waved. I was placed on hold while the rep verified she could waive my late fee. I was told my late fee would be waved. I informed the rep that was great news, but that I would also like to INCREASE my payment from the minimum amount due to $200.00. The rep told me she would ... |
Capital One Credit card late fee June 8, 2016 - Capital One Credit only accepts payments up until - EST to be credited for the same business day or face a late fee. If you live on the west coast you have 3 hours less to pay and may be subject to a late payment as a result. Not everyone lives on the East Coast. It seems plainly unfair that people living in one part of the country should be given an advantage over others, just based on where they choose to live.... |
Capital One Credit card late fee April 29, 2016 - Regarding - payment processing, CapitalOne has a business practice, which I believe is unethical and should be illegal. I have a PDF file ( attached ) with date/time stamp from my CapitalOne on-line account records to substantiate my complaint. Specifically, when I log into the CapitalOne website to pay my credit card 's monthly bill, their website states that I must make the payment before -. in order for the payment to be posted on the same day ( It used to be - - EST a few years ago ). Currently, this payment cut-off deadline, at - - is four hours before - on the due-da... |
Capital One Credit card late fee April 29, 2016 - Paid my bill on time but was charged - late payment fees ... |
Capital One Credit card late fee April 19, 2016 - Capital One applied my $100.00 - 2016 payment for card ending - to - 2016 thus appearing as though I made - payments for -. This resulted in no payments being applied for - 2016 and a late fee. Upon further inspection I noticed another late fee on both of my cards from the beginning of the year. My employer switched from bi-monthly to bi-weekly pay. I am requesting Capital One to reapply my $100.00 payment from - to - 2016 as intended. I am requesting all late fees on both cards reversed. I am requesting lower APR 's as both cards currently have excessive rates. I a... |
Capital One Credit card late fee April 7, 2016 - Capital One suspended my credit card and charged late fees to it for what they claimed was " fraud activity ''. I spoke with the bank and they said that " one of the credit bureaus had alerted them of fraud activity '' ... but would not say which one. Capital One opened a new account for me and moved the balance of $740.00 to that account. But they added late and services fees bringing the balance up to $800.00 for issues that have NOTHING TO DO WITH ME. There is no fraud on my account and they will not give me anyone to contact or which bureau suggest that fraud existed. ... |
Capital One Credit card late fee February 25, 2016 - I just purchased a new home and with this transition we had our internet disconnected so we never received our emails on a daily basis. Due to my move I never received a statement or notification regarding past payments. On - - we were reported as late on my credit. We have never been late since I opened this account in -. This late payment is affecting my credit and I would like it deleted from all - credit bureaus. ... |
Capital One Credit card late fee February 25, 2016 - Back in - -, I was laid off of work and could not afford to pay for my Capitol One student credit card. I discussed this with the bank, and they offered me no solution at the time. So I stop paying them. My credit card limit on this credit card was $300.00, and there was no way I could go over my limit except if late fees were stacked on it. In - -, Capitol One finally closed my student credit card and reported the credit bureaus that I owed them $1500.00. Today, Capitol One has a charge off on my credit report stating that I owe $2200.00 total, which is 745.67 % over the lim... |
Capital One Credit card late fee January 26, 2016 - I have been making my Kohl 's credit card payments monthly for two years without miss through my bill pay at my bank. I see my min payment amt went up drastically this month so I called Kohls customer service to find out why. They are stating my payments have been late for over 7 months! They have not. Looking at my payments, I have actually paid the account in advance, plus more than the minimum due. There is a problem between the payments being sent every four weeks ( every - Friday ) and the way Kohls is applying the payment. For example : The due date is the -. If my bank sent paym... |
Capital One Credit card late fee December 30, 2015 - I went into the - in -, PA and paid my Boscov 's credit card in full. I then received a bill in the mail with a $25.00 late fee and charges of $2.00 and - on top of my balance that I already paid. When I called the number on the back of my card, they said that I did n't pay and I would need to fax a cancelled check. I went to my bank and they called the cardd company and after an hour on the phone with them, they did n't help me. They wanted my bank to fax a copy of my statement for proof of payment with all my persona information on it. I also told them a had a receipt of payme... |
Capital One Credit card late fee December 27, 2015 - I check my credit report and notice that I had to late payments on my account from Capital One, I contacted Capital one to inquire about why a late fee was charged and informed them that no payments should be late I had set up a payment arrangement with my bank to have all payment sent directly to capital one. The person I spoke to informed me that they would credit my late fees back and remove the late charges off my credit bureau. The late fees were reimbursed but the late history is still showing up on my credit agency ... |
Capital One Credit card late fee December 18, 2015 - I have a Capitol One - - that I pay every month with on line bill pay. I do not get statements from them either paper or email. If I want to see my statement I have to go on line and look for them. This is a big part of the problem. I pay them $75.00 a month every month to clear my balance which was about $2000.00. I have this set up in my bank 's bill pay to automatically arrive on time every month. In - of - I made a payment of $35.00 instead of my usual $75.00. Unfortunately the minimum due was $39.00 which I did not have a statement to see. Since I paid $4.00 under... |
Capital One Credit card late fee December 18, 2015 - Somehow my - online payment did n't get processed. I realized this error and attempted to make the payment the day after the due date. A few days later, it still had not processed so I made it again and the third time it went through but of course, I had accrued a late fee. I called about it affecting my - minimum payment and the agent I talked to said it would be removed and reflected on my - minimum payment as well. I went in to pay my - minimum payment on time ( - when it 's due - ) and the balance was still reflecting the late fee. I talked to a new agent who told me they... |
Capital One Credit card late fee November 30, 2015 - I maintain a checking account with - Bank and a - credit card account with Capital One. I used - 's bill payment service to pay my Capital One Visa credit card bill in full but it was credited to my credit card account - day late, resulting in a $25.00 late payment fee plus $25.00 interest. Specifically, I asked for the $120.00 payment to be sent on Wednesday, - -, 2015. According to -, it was delivered on Thursday, - -, but Capital One credited the payment on Saturday, - -. The payment was due on - -, hence the late payment and interest. I compla... |
Capital One Credit card late fee November 14, 2015 - I am submitting this complaint in regards to Capital One Credit Cards, I just realized after so long since my last complaint directly to this company that my over limit balances continues to increase over and over again, due to Interest increases, past due fees ( due to the fact that even if paying regular payments and not the minimum, that purported late fees and over limit fees of - ) keep superseding the credit limit balance even when the card has not been use or charge for any purchases in the last 3-6 months. I need help I continue to make more than minimum payments and it continues to... |
Capital One Credit card late fee November 13, 2015 - I am writing in regards to Capital One Platinum credit card. I received an offer for a new Platinum credit card in the mail about a year ago. It had a - percent balance transfer offer. I calculated the amount I would need to pay in order for me to pay off the balance completely by the time the introductory rate would begin. I began making $ 500 monthly payments to the Capital One account on a monthly basis. I was told when I opened the card that I was allowed to pay the balance in advance with no penalty. After paying the - monthly payment to Capital One for about 6 months, and never hea... |
Capital One Credit card late fee October 21, 2015 - Kohls Credit Card - Late fees added - times, for only - late payment ( one day because of the time zone difference ) method of refunding late fees taken off the total balance ... still leaving the increased payment that has to be paid or get ANOTHER late fee, etc, etc, etc. I have been trying to resolve my account for the past few months ... I retired from my job and moved since -, and since my income is now reduced and I am a senior on a fixed income, I have n't been able to get wifi in my home yet as I am still paying off moving expenses. I ended up making a payment in - 1 day l... |
Capital One Credit card late fee September 29, 2015 - I owe Capital One on my CCD $650.00 with a minimum payment of $170.00. I am behind by three payments ( 3 months ) so far. They have called me 46x ( recorded ) this month alone about the amount owed. I have spoken with them and told them that I am aware but had other pressing matters. I have asked them to only call me once a day at the very least. They have ignored my concerns. I have blocked their number through an app on my phone that records their calls. I would like them to stop calling me. I recognize the debt and am working on paying them. I have already cancelled one card by them. ... |
Capital One Credit card late fee September 27, 2015 - In - of 2014, I stopped receiving statements/bills from Kohl 's Department store for my Kohl 's charge account and believed the balance ( less than $300.00? ) had been paid in full. There was, however, a small balance and Kohl 's continued to issue a $35.00 late fee on this account each month for 24 months ; the late fees now total over $840.00. At no point in this cycle did I ever receive any notice from Kohl 's that there was an issue with this account despite the fact they had our current address on file. This issue came to my attention last month. I 've reached out to Kohl 's in t... |
Capital One Credit card late fee September 26, 2015 - I have credit cards with Capitol One. I pay my payments sometimes on the day they are due. Often when I pay the payments on the agreed upon date, I STILL get changed a late fee due to me being on Pacific Standard Time and they being on Eastern Standard Time. I was told by Capitol One when I complained, '' Well we actually changed the time from - EST to - EST because we were getting so many complaints. '' HOW can they charge people a late fee when the payment is made before - on the date it is due? This to me is extortion and should be illegal. If you run a national company you should ... |
Capital One Credit card late fee September 18, 2015 - My husband lost his job in - leaving my income as the only source for paying bills. It has become hard juggling rent, food, creditors and other debts. We contacted Capital One with our situation. With each month we are charged a late fee and over the limit fee. Each time we are told we must pay the minimum passed due amount, which has been difficult on our limited income. With fees mounting our monthly due is skyrocketing and growing out of control. We feel like even when he finds employment we will never be able to catch up and our credit will be ruined. ... |
Capital One Credit card late fee September 17, 2015 - I applied for a Capital One Credit Card online and received it w/ a $3000.00. limit. This was about -. I wanted to take cash out and the ATM refused. I called and although I verified all the information, they xfered me to the Fraud Dept. because they think I am not who I say I am ( although I am and I have sent them the documents to prove it ). For awhile I was able to use it at stores as credit but then they restricted that. I kept going online to see when the first payment was due and all it said for the longest time was that the account was restricted. Finally it gave a due date of -... |
Capital One Credit card late fee July 15, 2015 - My Capital One credit card payment is due on the - of the month. While scheduling the payment, on the evening of the -/-/- I discovered that I had been charged a $25.00 fee because I did not make my payment before -. I receive paper statements in the mail and make my payments electronically. Nowhere on the bill did I see that I would be charged $25.00 on the - if I did n't pay by -. I have never been charged a late fee by a company when I 've set down and made the payment on the date due and it is wrong for them to set some arbitrary time during the day of the due date to ... |
Capital One Credit card late fee June 16, 2015 - This complaint refers to a specific recurring issue regarding the manner in which Capital One processes payments. My due date to pay my credit card bill is on the - of the month with no grace period. However, payments actually made on the due date incur a significant late fee because Capital One says payments made that day are processed '' and then posted the next day. They claim a cut off of - eastern time in terms of processing payments made that day. My contention, and I was told by the customer service person that this is a common complaint, is that if I make a payment on that date,... |
Capital One Credit card late fee June 11, 2015 - My Capital One bill was due - -, 2015. I noticed it was due - - in the morning and when I logged on to pay I was already charged a $19.00 late fee.. It had n't even been - hours. They do this to me all the time and I do n't think it is fair. ... |
Capital One Credit card late fee May 27, 2015 - I contacted Kohl 's directly upon my purchases for -/-/- while shopping at customer service to receive paper statements. In -/-/-, I still had not received a statement so I called Kohl 's to find out why I had not received a statement. The representative stated I was late on my payment. I advised him that I had not received a statement yet. He stated he would remove late fee and bring account current. I made a payment as per attached pdf file. I continued to make payments drawn on or before the - of each month. Some came out as late as the -. I never missed a payment and made m... |
Capital One Credit card late fee May 6, 2015 - I have a Capital One Credit card that has a - balance on it. Capital One charged a $59.00 annually card fee without sending me a statement. I never received a statement and was not aware of a payment being due, since the card has a - balance. Capital One charged a late fee and and report a - day late to the credit bureaus. ... |
Capital One Credit card late fee May 4, 2015 - I have - credit lines with Capital one all were on ACH. For some reason - - of my cards is n't on ACH all of a sudden and then I received an email this morning relating that I missed a payment ( Discovered later on my own - Capital one CS could n't explain this to me ). No calls or emails were sent indicating i missed my late fee until just now, which was stating i was n't eligible for a credit line increase for 6 months. They also charged me a - fee. When I called the customer service line and indicated that I made my payment through the application she just continued over and over t... |
Capital One Credit card late fee April 10, 2015 - On - -, 2014, I made a payment for $100.00 to Capital One Credit Card. After completing my payment I obtained a confirmation number -. A - later I get a late fee and higher minimum payment in my Capital One credit card statement. I contacted Capital One and spoke with representative ID - and he apologized in behalf of Capital one and removed the late fee and fixed the issue of the bill statement. He also stated that this issue was not going to be reported in the credit bureau as it was a clerical error done by Capital One. However, I pulled my credit reports and Capital One ha... |
Capital One Credit card late fee April 7, 2015 - I had a credit card with Orchard Bank. Orchard Bank was bought by Capitol One. When the billing moved over to Capitol One my automatic payments were stopped and resulted in missed payments. When I noticed I called Capitol One to find out what happened. They could not give a reason why they were stopped. They agreed to refunding all the late fees that were charged and apologized for the error. I have attached a copy of the statement showing the refund. I have asked them many times to remove the late payments from my credit report and they just send a letter saying they are reporting correctly. ... |
Capital One Credit card late fee April 6, 2015 - In - of 2014, my - year old father entered - at a - near his home in -. In - 2014, his wife closed his Capital One account and left for -. I paid the balance in full and set the rest of his bills up electronically and subsequently managed his finances from my home in -. When I returned to - in -, I discovered a Capital One bill that had been sitting at an unoccupied residence. Apparently no one at Capital One told his wife that there was a recurring charge on the account for a - - newspaper. When I found the bill, I again paid the balance and cancelled the n... |
Capital One Credit card late fee March 23, 2015 - - Card services was bought out by Capital One, I was never notified, my payments continued to go to -, Capital One can not locate my payments, I have been charged numerous late fees d/t payments not getting to Capital One, my due date changed as well, Capital One has reported a - late pay on my credit, I have contacted customer service and spoke to managers several times and they will not correct matter in the time frame I need to buy a home, I am being told it may be - days before this is corrected. My statements clearly show my account current until Capital One took over in - ... |
Capital One Credit card late fee March 22, 2015 - Capital One has continuously charged me late fees for missed payment days that fall on -. As an observer of the - -, I do not engage in financial transactions on -. Capital One again recently charged me a late fee for missing a payment this past -, -/-/2014. I have called in many times complaining about this problem, and they have done nothing. I believe this practice is - and I should not have to make my payment early because they will not honor my -. In addition, I have requested credit increases multiple times, as my credit limit is only $300.00. Capital One has... |