Consumer complaint received 2022-01-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Hi I am very dissatisfied with Capital one Bank and credit card devisions. I opened a line of credit in XXXX of 2021 received card with a limit of XXXX dollar line of credit. Not one time was I ever late in my past six months of payments. How ever the company overcharged my credit card in XXXX over my limit to a company that I had only a charge of a hold for a rental car which fell off and when the XXXX rental car ran it first tried while I was in the hospital for an XXXX dollar charged denied two days later it was charged over my actual credit limit XXXX dollars. I immediately contacted this company and was told they will fix the mistake. However when I went to purchase my new vehicle I was told my credit was over the debt to income ratio by 885 percent. It caused major undue stress I continued to try to get this company to fix this mess I opened a bank account because I thought instead of the 26 days of holding my payments which were posted and taken from my chime account beginning of XXXX showing it was a paid credit card. In full and yet when I would try to even set up a bill pay. Impossible due too the fact that capital one would say unavailable to process no credit available for payments??? Why I asked if I paid them on the XXXX th and set a payment for my phone a week later was this not clearing? I was then charged a fee to turn cell service back on reconnect fees and never given an explanation other than we have the right to hold new accounts? Really well for how long this did not actually become available until 26 days after I paid it always bringing available credit back to my XXXX dollar line of credit! So why was I told we are a call center working from home or abroad? I asked these questions and to no avail was told I had to wait until they release it which I must add quite embarrassing when at a lunch and say Ive got this only to be told declined due to no credit available at time! How very mortified was I and how can you fix it I asked they said we have no answered at this time! Wow great communication really clueless and Im trying to still understand why my account was closed then they approved a quick silver and before I even received the actual card they restricted it and then proceeded to close the two accounts leaving me at a loss for words look at my dicunebtion tell me how can this be happening g you ruined my credit I told them and the car I was approved for had to be returned due to it stating I was XXXX over debt to income! So now no car credit ruined and hey thankyou still have my XXXX and still trying to just understand how this happened? they told me its because I had external and ach holds from outsider banks so I said wrong answer. I have a capital one 360 account then they tried to take a payment unauthorized and charge my bank over draft. Its really messed up my life and I also go to school full time XXXX until I dealt with this nightmare. I was told even though all my payments were on time and then the credit card sent new cards but left my bank account open and vulnerable to theft which had happened before and then mysteriously when they closed out my credit card platinum they actually recharged me with a balance for XXXX charges I never made I was actually in the hospital at that time. called it lame excuse and blamed me they recharged me and removed the credits. Closing out the account for my platinum card and overdrawing my bank accounts. I know that this seems way to far a reach but someone needs to stop these companies from doing this to people trying to survive and I have XXXX it does not have me yet Im under this undue burden because a company was allowed to charge my XXXX dollar credit limit up to XXXX over and then make me wait two months for them to fix it only to lose my XXXX and credit thankyou for your time I pray they can fix this for my sake and others who dont deserve to be dragged thru this undue process.

Company response to consumer: Closed with explanation