Capital One Credit Card Complaint

Capital One Credit card department,

Payoff process Utah

Hi, I made a payment to my credit card in the amount of $3700.00 and an other of $100.00 ( the full statement balance ). These payments were made on Friday - - 2016. My husband two hours later made a payment of $240.00 to his credit card ( the full statement balance ). All payments were paid by my external - - ; - - - - on Monday - - 2016. My husbands credit card was paid and the balance currently is showing $0.00 and a full credit line. However, my credit card is reflecting $67.00 available credit, this even after being charged $51.00 in interest. Today I had my husband call Capital One to find out why his Capital One account would have money applied accurately and timely and mine was not. He spoke with a " Supervisor - '' who 's Agent ID was identified as -. She indicated that she did not know


voiced his concerns that this policy is an unfair and deceptive business practice when applied arbitrarily without rhythm or reason nor justification. My account has never been paid late, considered a slow pay account or otherwise given any trigger that I am not an honest, credit worthy, credit responsible customer. - 's response was she was following Capital One policy ; or politely saying she did n't care nor does Capital One! My concerns are, Capital One holding funds, then charging interest though the statement balance was paid in full, is not only unfair but deceptive. Capital One reporting to the credit bureaus that payments were made in the amount of $3800.00 but an available credit of $51.00 could impact my debt to income ratio and lead to potential lenders in their underwriting processing questioning my credit worthiness. This is not only deceptive but unfair. Is this because I am female and do not make the income of my spouse or my male counterparts at Capital One? Do they enforce these same practices with their own employees or executives? They did not with my husband! Last, when asked to speak to - 's supervisor or to someone on Capital One 's Corporate Escalation Team, she refused. - 's actions demonstrated that she did not care about my issues or in resolving my concerns. I 'm very disappointed with Capital One and their poor customer service. HC