Consumer complaint received 2022-05-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
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:
On Tuesday XX/XX/2022 at XXXX a.m. XXXX XXXX XXXX I woke up to XXXX emails telling me that Capital One 's attempt to debit from my Chime checking account was declined due to insufficient funds inside of the Chime checking account. I called the Capital One Quicksilver XXXX Credit Card customer Service to try to find out why they keep trying to debit from my Chime Checking account. The customer service representative denied that they were doing this even though I told him I have XXXX emails as proof. He said on his end that there are no current debits being taken from my XXXX checking account. This attempt of a debit of another {$10.00} action keeps happening even though I haven't initiated any more debits after my last one. 

It's personally easier for me to pay the my total balance off on the Capital One Quicksilver credit card before the due date in small payments as the due date approaches. By them not debiting from my XXXX  checking account the day OF, when I make my request via the mobile app or by calling them to make a payment, they are messing up my right to plan my money accordingly. 

If they offer the option for me to shoes my due date according to what the mobile app says, then I should be able to make my payment when I see fit as long as it's by the due date. Without any penalty or fees for that. 

I currently don't have enough in my XXXX  checking account to pay this {$10.00} reoccurring debit attempt that Capital One keeps trying to take out of my XXXX checking account. If they would have debited it in real time from my XXXX checking account at that moment, then this would not be a mixed up. Something must be done about this like today. 

I asked Capital One Quicksilver XXXX customer service on this call if there was a way that I could call over the phone for the next time I actually do initiate a payment. Since all of my payments initiated thus far have been via the Capital One mobile app. I was told that I could call and pay over the phone but that it would still take up to 5 days to process that payment. 

This hinders my financial life and how I want to pay which is my right. I want to be able to pay a bill and have it taken out and posted to my Capital One Quicksilver XXXX Credit Card balance in real time, every time. The moment I ask them to take out a payment, I want it taken out at that moment and applied with a new refreshed balance. Waiting up to 5 days to process my payment is setting me up for late payment fees. This is wrong and unjust. 

I don't have to make accommodations to how much is in my XXXX checking account because they want to stick another rule on me as far as how I pay my money. It's not even possible to really apply this to a calendar to help me keep up with it because again, I get no set time as far as when that money is going to be debited from my chime checking account. That is literally a game being played with me that I refuse to play. A game that I've already won. I have the right to pay it how I see fit without any of their rules.

Company response to consumer: Closed with explanation