Capital One Credit Card Complaint

Capital One Credit card department,

Wisconsin

Hello, I 've made repeated attempts to contact Capital One regarding the overbearing amount charged in interest on my credit card. It is currently at 24.99 %. So, if I make a monthly payment of $200.00, the amount of interest charged is $100.00. I 've asked, both on the phone and in writing, to have my interest lowered as Capital One is contributing to the balance owed. They said it could n't be done. I 've asked for supervisors to speak to. They 've told me that they ca n't " just go and lower the interest because I ask ''. It does n't follow their protocol. I 've also asked for a detailed analysis of the account as to what old balances are remaining compared to new, assuming that when a payment is made, it 's applied to the oldest balance first, -. I believe that the customer service folks at Capital One have no idea what - is, as they would go back to the previous statement and see if there were product charges, then the next, and the next, which is not what I 'm asking for. I 'm looking for a report showing where and how my monthly payments are being applied, of whatever remains after they snatch interest away. This appears to me to be legalized loansharking, and someone needs to put a stop to this. Their idea of a late payment is - made on the day which the payment is due after - -. Is n't the payment, by law, supposed to be processed on the date it 's made? They ca n't " update their system '' after - on weekdays?