Capital One Credit Card Complaint

Capital One Credit card department,

Billing disputes Texas

We submitted a payment on - -, 2016 for $300.00 and on - -, 2016 for another $20.00 to Capital One for our credit card payment. We found out a few days later that the bank supposedly rejected our payment. We called our bank, because it looked like the money came out on our side. They said they submitted the payment and that it went through on our side. So they had us call Capital One and have them research it. They researched it and never found the payment. We were at a loss at what to do, because we were out $320.00 total, and did n't want to have to pay again until our money was found. They never found it, so we conferenced in our bank with a credit card specialist with Capital One. They confirmed the payment was submitted and had cleared our bank. Then they said they would fix the account and it would be in good standing again with 24-48 business hours. After that time had passed, the account was still not fixed. We accrued interest and late fees, along with a credit report of being late. We called them again. They said they were


they were very sorry and would work on the issue and fix our account. By now the credit card account was closed and had accrued even more fees and interest charges. They assured us it would be fixed. We filed a complaint internally with Capital One and they said we could expect a call back after an investigation into the matter. The day after -, 2016, they called us at - stating how sorry they were and that the issue would be fixed immediately. They never fixed it. So we called again, on Tuesday, - -, 2016 and they said there were no notes on the account stating that the payment had gone through. They said we were lying, in essence. They ended up conceding and saying they would investigate it again. We have been waiting almost 2 months for this now and we have now had - reports of the credit card being late and closed with a large balance of $700.00. If they had applied our payments that cleared our bank and was confirmed by our bank that it cleared, then the balance would be down to around $280.00. They also offered us a $75.00 courtesy credit for our trouble and that was never applied either. Now they are claiming they never said or did any of this!!! We have spent hours and hours on the phone with them, fighting them on this. We do n't know what else to do. Our bank has confirmed twice now, with their representatives, that this payment has gone through and they have promised us that this would be fixed. It is ruining our credit and is causing a lot of issues. We need this dealt with immediately.