Consumer complaint received 2023-06-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, VT XXXX XXXX XX/XX/2023 I am paying this bill under protest. I have told you over and over that I have never used a Capital One Card. I never authorized any payment and should not be paying late charges, finance charges and other fraudulent charges that you are assessing. I will be filing appropriate complaints with the necessary agencies and file a small claims suit if necessary. 
Again, I do not have a Capital One card in my Wallet and never will. 
You are a terrible company that is taking advantage of a person on a fixed income. 

Sincerely XXXX XXXX XXXX XX/XX/2023 Capital One XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX The saga continues. 
I have tried in vain since XXXX to find someone with common sense and see that I am a victim of needless late payments and basic incompetence on the part of some foolish operating system without any human involvement. 

Phase 1. 
Once upon a time I applied for a BJ membership. In doing so they provided me with a credit card which I did not want and never activated nor used. In XXXX last year I received a statement from the previous bank that had the credit card and there was a charge n there for {$110.00} as well as a late charge. After inquiring about it I was told that it was my annual membership fee. I disputed the late charge ; it was removed and I paid the {$110.00}. At that time I told, BJs in writing that I did not want a card and never did. 
In XXXX I received another statement for a late payment and late charge as well. I disputed both. Evidently it took 2 weeks to process my check for the payment and it was deemed late. As I tried to explain to some person in a remote call center. I do not have an account, never used it and BJ-s placed a balance due on it without my approval and I should not be held accountable. 
Never heard anything and of course now the bank has changed to you folks at Capital One. 
So same message, I did not activate the new card, I never used the old one and I do not want a Capital One card in my wallet. So please remove me from any system that you have. My attempts to contact BJS has been futile and once again Phase 2. 
On XXXX I spoke with an agent and she indicated that late fees would be waived and all I had to remit was {$27.00} Which I did ( exhibit 1 ) and you sent it back as the check was destroyed when your processing machines opened the envelope. I promptly replaced the check and you cashed it on XX/XX/2023. Today I receive yet another late notice, with late fees and a totally different amount. ( {$69.00} ) So, Im done. I paid this amount due ( {$27.00} ) even though I never spent or charged XXXX XXXX on your Credit Card. Im not paying another cent and suggest that you take me out of system and start using common sense vs some AI system. 

And it would be nice if you could respond as this is my 3rd attempt. 

Thank You XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief