Capital One Credit Card Complaint

Capital One Credit card department,

Late fee Pennsylvania

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 payment on the - one month, it is properly applied to the - of the following month.


is early. This has been happening for over 6 months and I never realized it as I knew I was making my monthly payments for greater than the minimum. So they not only have been charging me late fees for making my payments early, but have also been reporting to the credit bureaus that I have been late when I have NOT. I am very frustrated. I am sure I am not the only consumer this is happening to. We should not be penalized for making payments early. There should be a system in place to prevent this mis-applying of payments and charging unfair late fees to consumers- especially ones like me who have been faithful in paying every single month.