Consumer complaint received 2023-12-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

Capital One credit card app- in order for you to make a payment on the app which for me was XX/XX/XXXX. 2023. It was after banking hours and it was a Sunday. I expected to make payment online would process on the spot and payment would be made. This was not the case.once I put all my information in for my credit card. I clicked pay and then I was prompted with a message asking me, to schedulue date for payment to be automatically paid ( something along those lines ). I chose the soonest possible date for the auto payment to happ which was Monday XX/XX/2023. 

when I sheduled the payment. I assumed it would be processed at the start of the day. Assuming that it was done automated and that the computer would process payments as soon as possible. 

So I had something else I had to purchase and I was told it was told the purchase i needed to make through the Nevada court system if my court fines were not paid 30 days in advance from parole discharge that my parole would be extended. 

So I was purposely making the payment in XXXX XXXX so I would have enough money on credit card to pay courts immediately Monday morning because it was already going to be less than 30 days from time i was going to make court payment to the time my parole expiration date was suppose to end on. 

It is XX/XX/2023. I am waiting for payment to post and as XXXX, then XXXX rolls past i am stressing., so I went online again and tried to figure out what was going on with my payment. While I was trying to figure out what was happening with other transaction. I figured since it was during banking hours now. I could maybe make an immediate payment transaction with Capital One. then I could make payment to XXXX XXXX, NV court system and hopefully still get off parole as on time as i was suppose to. 

So I did I used same cash app card to try second payment. it succesfully went through around XXXX p.m. XX/XX/2023. 

The Payment was in the amount of {$100.00}. which was the total amount owed to capital one. which once paid it should of put my account balance at {$0.00}. 

I have Payment receipt confirmation. in my email of transaction succesful. 

NOW AT THIS POINT IS WHERE PROBLEM BEGINS! 

So the automated system has a bug that needs to be fix and here is how problem begins because of automated system error. 

So I have a XXXX balance as of XXXX XX/XX/2023. 

The scheduled Automatic payment That I set up on XX/XX/2023. Finally decides to try and redeem its scheluled payment from same cash app card at XXXX XXXX. on XXXX XXXX in the amount of {$100.00}. 

Now when the computer transaction fails at XXXXXXXX XXXX. on XX/XX/XXXX, XXXX in amount of {$100.00}, instead of computerrealizing that it was a unsucceful transaction and leaving balance at XXXX it seen transaction failure as XXXX should be added to my account even though there should opf been no debit or credit due to failed transaction. yet computer charged me for the failure of automated transaction for amount of {$100.00} which at XXXX XXXX was the second time the computer tried to makee same transactoin amount which failed because previous transaction that day at XXXX ; XXXX XXXX. had already paid the money to Capital one so it didn't have enough money to make repetitive payment that wa already made. 

When I tried several times to fix this problem with the idiots at Capital One Customer service not only ded they verify the payment was made. and even the automated system when you call from back of credit card even vouched for the {$100.00} payment being succesful. but customer service would not get this through there heads and only wanted to see there way. 

So even when i told them that i have verification from my XXXX XXXX Transactions and proved it to Capital one. Capital One wanted to verify with XXXX XXXX with me on phone. Great. Except we were not able to get a hold of XXXXXXXX XXXX that day. 

so at a spererate time that i was unaware of captial one contacts XXXXXXXX XXXX and even persuades them to chang a coupleof my transaction to suit there perspective. Altering my XXXX XXXX ( XXXX XXXX ) statements. 

I am unable to fix problem and you are my last hope. i don't know how to get a hold of Accounting to have problem fixed with Capital One. nor do I know how to contact any one above there customer service department. which are XXXX Thank You, XXXX XXXX XXXX XXXX XXXX