• Report: #941531

Complaint Review: Capital One Credit Card

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  • Submitted: Sat, September 15, 2012
  • Updated: Sat, September 15, 2012

  • Reported By: Ken — Berea Ohio United States of America
Capital One Credit Card
PO Box 30285 Salt Lake City, Utah United States of America

Capital One Credit Card Erroneous late fees applied and would not remove even when they were at fault Salt Lake City, Utah

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Capital One charges late fee first and asks questions later. Even when the late fees were due to Capital One erroneously charging them, they maintain it is impossible to remove them. Thier solution is to force you to pay the erroneous late fee anyway, then credit them to your balance.

This "made up on the fly" policy is in direct conflict to minimum payments being based on "balance, rate & term". Today's customer recognizes in today's "deregulatory" environment that financial institutions will run amok with late fee, but forcing the consumer to pay them even when the fault lies with the financial institution has got to be illegal if not unethical.

The specifics of my particular case was due to a duplicate payment made to Capital One. Needless to say neither my bank OR Capital One claimed to be at fault. Only after wading through torturous phone "menus", and hours on the phone, transfers, an "canned" replies from the oversees CSR's did I finally get them to acknowledge the duplicate payment (rife & loaded with late fees).

The end result was one "inflated" payment was applied, while the duplicate payment was rightfully returned. This confusion caused Capital One to AGAIN charge me another late fee. Even though th late fe was obviously thier fault again Capital One maintans late fees cannot be removed; only offering that the "computers won't allow it". There has got to be some law broken here because what is to stop them from making up ANY minimum payment they want to then blackmailing someone on fear of damaged credit?

This report was posted on Ripoff Report on 09/15/2012 03:14 AM and is a permanent record located here: http://www.ripoffreport.com/r/Capital-One-Credit-Card/Salt-Lake-City-Utah-84130-0285/Capital-One-Credit-Card-Erroneous-late-fees-applied-and-would-not-remove-even-when-they-w-941531. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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