Consumer complaint received 2024-01-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Complaint : See complaint CFPB XXXX submitted for Capital One 0n XX/XX/XXXXXXXX 
I hired an attorney Counselor XXXX XXXX to represent me in a lawsuit against Capital One because Capital One Credit Card has ignored my multiple requests and caused a lot of damages. 

Issue # 1. On XX/XX/XXXX I made a usual payment of {$29.00} through the capital one credit card automatic payment. After checking my bank account the following day, I noticed Capital One credit card has posted {$85.00} instead without my authorization. I contacted capital one credit card and I made a dispute. I spoke to three different agents asking to refund the balance. Agents refused to made the refund. I received a letter from the credit card company denying the refund. I did not have enough money in my account. After paying other credits, my balance went to {$1.00}. I can not afford extra money flowing out of my account. Capital One customer service has ignored my request. 

Issue # 2 Capital One credit card damaged my credit score and due to their negligence I other credit cards has reduced the line of credit. On XX/XX/XXXX, Capital One credit card received a balance transfer from Costco XXXX card of {$3600.00}. On XX/XX/XXXX at XXXXXXXX XXXX central time I contacted Capital one credit card and agent XXXX answered the phone, I asked him to send the check to a new XXXX XXXX XXXX is XXXX XXXX XXXX XXXX, NY XXXX. The agent took the information and updated it on their system. However, agent decided to ignored my request and sent it to the old XXXX XXXX . I asked agent XXXX to repeat the new address because I wanted to make sure I receive the check. I was out of work and I did not have money to pay the credit cards. Agent XXXX said the check will arrived 7-10 business. However, check never arrived. On XX/XX/XXXX at XXXX contacted credit card again and an agent told me, check was on the way. I waited for the time limit advised by the agent and the check did not arrive. On XX/XX/XXXX I contacted Capital One Bank again and I asked why the check did not arrived. The agent told me because the check went to the old address. I was upset because Capital one ignored to update my address information. credit card. I did not have money to pay for the credit cards, food, transportation etc. I was out of job with no money whatsoever. I requested for another check and once again second check never arrived. On XX/XX/XXXX, I made another request for the check. I asked to speak to a supervisor. Supervisor, was not cooperating with my complaint and covered up the staff negligence. Supervisor told me check was going to be sent again and I needed to wait 7-15 days. I asked supervisor why staff keep sending the check to a different add. Supervisor told me check is going to be sent to the new address on file. I asked if check can be sent via XXXX  and supervisor says no. Once again, I waited for the check and it never arrived even after presenting my request to a supervisor. I contacted again the credit card customer service line and I request the check sent again. Finally, I was able to receive the check on XX/XX/XXXX after all the hardships and damages Capital one credit card made me go through while I was waiting for the check.. My credit cards had reduced credit limits, my credit score went down and I am not able to receive balance transfers due to my credit score damage. On XX/XX/XXXX, I requested from capital one and XXXX credit card a cash advance, to pay credit card bills. Capital one credit cards payments are {$29.00} every month.