Consumer complaint received 2023-10-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The company I'm disputing is Venture One Capital. I called the company to dispute a late payment, which was not actually late, just under the minimum. Prior to this I had recently signed on with a XXXX XXXX company, XXXX XXXX, I believe the date was XX/XX/XXXX of XXXX then ended the agreement with them on Tuesday, XX/XX/2023, choosing instead to pay my credit card bills myself as they came in. In the meantime, on the recommendation of XXXX XXXX, I was advised to pay a minimum of {$35.00} for the next XXXX months. Instead, I paid {$660.00} in XXXX, then switched all my accounts to autopay {$45.00} in XXXX and XXXX, and then, deciding that I wasn't going to use XXXX XXXX anymore, I paid Capital One {$2500.00} in XXXX. But, I actively went on and changed my payment to {$2500.00} in XXXX, and forgot to change the autopay off of {$45.00} like I did for every other CC company. So they received {$45.00} in XXXX, and to their credit let that payment go without a late payment, but they also never mentioned to me that it was under the minimum, and XXXX, which was under the minimum of {$230.00}, I got flagged for. But I called them, explained my situation, that I had simply forgotten to turn the autopay back up to {$300.00}, or {$350.00}, whatever I was paying before. And then proceeded to pay {$850.00} in XXXX when I realized what I had done. And their " account as not paid '' that month of XXXX is simply destroying my credit right now. It used to be near XXXX and now its in the low XXXX. And if you look back, I had never missed a Credit Card payment, nor car payment, nor mortgage payment in my whole life. Ive been an adult for XXXX  years and have had XXXX of payments in my lifetime, not XXXX of them was ever late. Until now. 
I also have my XXXX XXXX  Capital One card that I never spend any money on, kind of an emergency card, and I received no word at all, whether it be via phone call, or letter, that my XXXX 's membership would be charged to this card, nor that my XXXX 's membership was due for renewal, and it charged my XXXX 's renewal to that XXXX 's Capital One card, and I didn't even know until I got a bill from them saying I was overdue on this card, that I had been charged. So, naturally I paid the {$110.00}, but got charged a {$29.00} fee plus {$1.00} in interest, and this was unbeknownst to me until I got another letter from XXXX 's Capital One saying I owed an additional {$100.00} in late fees. I don't know why I never got any letter saying my XXXX 's membership was about to be charged to my XXXX 's Capital One Card, nor do I know why they sent me additional letter after these charges were due, or why they felt the need to make an extra {$30.00} in charges all the way up to {$100.00}. Also... on top of that, Capital One still sees me as a person who's doing business with a credit repair firm like XXXX XXXX, even though Im obviously paying above the minimums and have been for a while, so I can not use any of my CC 's, so you'd think this would include my XXXX 's Capital One card. Guess not. 
And not only that, but I tried to sign up for online payments, and at least to have me XXXX Capital One Card be seen online so I could see if any payments were needed, and to set up auto-pay, but time and time again I tried to do this, and when I go to add my XXXX card to my other XXXX, it says I have XXXX options.either I have a capital one card, or I dont, so every time I put, yes I do, it wouldnt allow me to add to XXXX card to my online catalog. I had to call in to have someone help me with this.

Company response to consumer: Closed with explanation