Complaint Review: Capital One - Richmond Virginia
- Capital One Richmond, Virginia United States of America
- Phone:
- Web: www.capitalone.com
- Category: Banks
Capital One keeps charging me overlimit fees. Richmond, Virginia
*Consumer Comment: Really?
*Consumer Comment: January 2010
*Consumer Comment: Check the Website
I paid my credit card bill on line on the due date at 12:06pm PST. The next day they charged me a $39.00 late fee because my payment did not post until the following day!! Apparently I was 6 minutes late with my payment. So then, after they tacked on the late fee, that put me over the limit, so they charged me a $39.00 overlimit fee. They are robbers! Don't do business with them. CAPITAL ONE SUCKS.
This report was posted on Ripoff Report on 12/04/2009 01:34 PM and is a permanent record located here: https://www.ripoffreport.com/reports/capital-one/richmond-virginia-/capital-one-keeps-charging-me-overlimit-fees-richmond-virginia-533852. 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. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content
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#3 Consumer Comment
Really?
AUTHOR: Robert - (USA)
SUBMITTED: Sunday, December 13, 2009
"Just so you know with the new credit card legislation coming out in 2010 so credit card companies are no longer able to charge overlimit fees."
Really? Kindly post the legislation that BANNED over the limit fees. Which House Resolution or Senate Bill does this?
What I have read is that they WILL be able to charge OTL fees, but that IF THE ACCOUNT FEES (interest, monthly service fee, etc.) cause the over the limit condition, they will have to afford the account holder a period of time to bring the balance down before the OTL fee can be assessed. IF the account holder makes a charge that causes the OTL fee, the fee will be assessed immediately.

#2 Consumer Comment
January 2010
AUTHOR: Chuck Finley - (United States of America)
SUBMITTED: Saturday, December 12, 2009
Just so you know with the new credit card legislation coming out in 2010 so credit card companies are no longer able to charge overlimit fees. But they will probably increase your APR.
PS. All companies have a cutoff time and you made a payment after that time, no Ripoff completely your fault.

#1 Consumer Comment
Check the Website
AUTHOR: Jim - (USA)
SUBMITTED: Saturday, December 05, 2009
The website probably tells you payments made today will be posted the next business day or some other such language.
YOU apparently didn't abide by that provision, so its their fault, right?


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