Consumer complaint received 2021-05-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
From : XXXX XXXX Fri, XX/XX/XXXX, XXXX XXXX  Dear XXXX : Thank you for contacting the Ohio Attorney General 's Office. 

The XXXX XXXX XXXX has reviewed your complaint. Unfortunately, our office is not able to perform informal dispute resolution for complaints against national association banking institutions because those institutions do not fall under the purview of the Ohio Consumer Sales Practices Act. The institution in your correspondence is regulated by the Office of the Comptroller of the Currency. You may reach their office by using the contact information provided below. 

Office of the Comptroller of the Currency Customer Service Group XXXX XXXX XXXX, Suite XXXX XXXX, Texas XXXX ( XXXX ) XXXX XXXX XXXX XXXX  Again, thank you for contacting our office. If we can be of assistance to you in the future, please feel free to contact us. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX of Ohio Attorney General XXXX XXXX XXXX Dial : XXXX Toll Free : XXXX I made a complaint regarding Capital One applying my payment from the wrong bank account and using info from previous account as I had closed that account and have never attempted use it. I was paying my balance in full each month and using this account allowed for a missed payment, late fee and interest added. When I called they acted like they had no clue and didn't offer to try to resolve the issue and refused to remove the fee. I had never requested this and it was only my third month with the card. They hung up on me when I asked to speak to someone else. I was then passed around four times and placed on intermittent hold that lasted over XXXX XXXX and XXXX, I believe XXXX XXXX shy of XXXX XXXX. Finally, in a patronizing fashion some lady said she would take it under advisement and I would know in XXXX XXXX, but she wasn't going to recommend it. I have never been so mistreated, patronized and waste my time like its their full objective. When I called back yet again the next day, I received the credit in record time with no questions as a one-time courtesy ... I would have preferred them finding the error and correcting it but this was at least some progress. I had paid the balance in full but because of the late charge I owed a balance, but then I got that corrected but was billed interest yet never sent me a bill to my home or email. I then owed another late fee and they closed my account upon receiving notification I filed a complaint which shot my nearly gained credit score, the reason THEY solicited me to get the card in the first place. I received an email after the due date of this last payment cycle letting me know that I went from owing them XXXX to almost {$72.00}. This company solicited me ; charged the wrong ( closed ) account and then charged me late fees and interest. Then was rude and disrespectful and passed me around to five total agents for almost XXXX XXXX They were smug and very in my face how they would get me back. I couldn't imagine what they meant. I told them I was paying the account off every month to improve my credit and so they CLOSED the account resulting in a 65 point drop and put my car buying on hold as well as just dumped on me in a way they had no right to do. I have paid them the {$72.00} as I know they will just keep adding more on. They owe me the {$72.00} back as well as an apology and restoration of my credit score. They solicit me and then crapped all over me.

Company response to consumer: Closed with explanation