Consumer complaint received 2019-03-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Since there is no direct e mail to the ceo 's office please forward this to the ceo 's office on my behalf Thanks I also don't want this to impact my credit score and hurt my ability to use my 3 capitol one credit cards! The purpose of this letter is to help me out and to make CAPITOL ONE BANK BETTER SERVE THEIR Consumers instead of doing their commercials I understand fully that capitol one is trying to automate to eliminate their frontline staff by me getting what I will ask for on my 3 credit cards and explaining the situation I expect better staffing so the workforce will have less work to do and folks like me will have less wait time on the phone to get an american based agent~ I live in XXXX WHICH IS IN NY STATE SO I am writing to the ny attorney generals office and XXXX dept of consumer affairs as well as the nevada ATTORNEY GENERALS OFFICE ( SINCE MY CAPITOL ONE CONTACT LADY IS BASED IN XXXX XXXX and THE Virginia 's attorney generals office since capitol one 's corp hq is in XXXX , VA ) AND OF COURSE THE FTC AND DOJ AND I want this letter sent to all relevant local/ county,  state and federal agencies that I did not mention here. 

I guess yesterday that capitol one had the same issues as XXXX I CALLED XXXX XXXX XXXX XXXX AND When I pressed option 1 I got cut off When I called XXXX XXXX XXXX and XXXX XXXX XXXX the phone didn't even ring and I just got a dial tone I called to check on my balances etc and besides that THE only time I should call one of these # 's is to deal with id theft Otherwise I am dealing with XXXX EMPLOYEE ID # XXXX AT TELEPHONE # XXXX XXXX XXXX PIN CODE # XXXX XXXX DIR EXT # XXXX XXXX She is great and does provide great service and is working on a previous compliant that I have filed against capitol one but I have many other issues that need handeling and perhaps with this letter she will have the ability to do even more for me since I am going thru major cash flow issues right now! for card # XXXX ( also please extend the interest free period to at least XX/XX/XXXX ) on monday XX/XX/XXXX I wanted to dispute {$1.00} charge and called in at XXXX. and was on hold in excess of 90 minutes before I got an agent who did give me the credit but for that kind of time I demand a at least a {$500.00} bill credit and when I spoke to XXXX later she tried to help me get some assistance but she didn't know that I can get that kind of help if I miss a payment. For card # XXXX on wednesday XX/XX/XXXX XXXX connected, e to XXXX id # XXXX FROM XXXX, FLA DISPUTES DEPT WHO BESIDES XXXX IS ONE of the full folks in capitol one who actually serves the customers properly after being on hold for about 5 minutes since XXXX had to explain my situation to her I got her on the line and she was kind enough to credit my account {$56.00} for the previous 3 months interest charges and take care of my billing issue moving forward on this card I need the {$500.00} bill credit as well as the card being ( So the XX/XX/XXXX interest charge can be waived / credited back as well ) interest free until XX/XX/XXXX at the very least to help me catch my breath! 

With card # XXXX XXXX tried to get me grant money thru the hardship program but I didn't qualify since I don't have and haven't had a convential job in a long time I have asked to have the interest charges from XX/XX/XXXX ( {$40.00} ). XX/XX/XXXX ( {$41.00} ), XX/XX/XXXX ( {$28.00} ), and XX/XX/XXXX ( {$42.00} ) ( she did get me a lower interest rate ) which is a total of {$150.00} credited back and moving forward to get this to be an interest free card to at least XX/XX/XXXX and to credited my account {$500.00} for my time now I realize having XXXX AS A DIRECT CONTACT MEANS that if she out on vacation / sick etc things will take time ( they won't take my time an if charges accrue while she is away she will take care of those charges but I won't have to be on the phone for an obscene amount of time ) THANKS FOR YOUR TIME AND HELP HERE XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX LANDLINE # XXXX XXXX XXXX PS LAST thursday XX/XX/XXXX XXXX got me some guy on the line after a 15 minute wait who had no clue ( by design and couldn't / wouldn't do anything for me but waste my time ) he is sadly typical of capitol one and why I have XXXX AS MY CONTACT PERSON!

Company response to consumer: Closed with monetary relief