Consumer complaint received 2025-07-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
As of XX/XX/2025, I have a balance of {$41.00} on my Capital One XXXX  credit card ( as reported on the XXXX XXXX monthly statement ). 

By XX/XX/2025, I have accumulated a total balance of {$1100.00} because I continued using my Savor card during our vacation at XXXX XXXX. 

The due date on the XX/XX/2025 balance of {$41.00} was on XX/XX/2025, so I posted an online payment of {$550.00} ( i.e., {$1100.00} XXXX ) on XX/XX/2025. 

I already have an external account setup ( in the Capital One online portal ) to pay my credit card using my Credit Union, which I have setup a long time ago, and I know for a fact that it was working because I used it to pay off my Savor card in the past. 

I used this same Credit Union external account on XX/XX/2025 to pay {$550.00}, but somehow, the payment got rejected on XX/XX/2025. 

I didn't notice this payment rejection until XX/XX/2025 because I wasn't expecting any problems paying the card ( note that I used the same Credit Union external account to pay off my Savor card previously and had not experienced problems ). 

I called Capital One ( XXXX ) to ask why my payment was rejected, and they informed me that there was an issue with the routing number / account number on my Credit Union external account.

I told them that I used the same Credit Union external account to

pay off my Savor card previously, and they advised me to double-check the routing and account numbers just to be sure. So, I went back online to the Capital One portal, and deleted my
old Credit Union external account, and then I setup a new Credit Union external account using verified routing and account numbers. 

I posted a {$550.00} payment again ( XXXX time ) on XX/XX/2025 using this new setup, but several days later, on XX/XX/2025, the payment got rejected again. 

I called Capital One again, and this time they told me the problem was because of insufficient funds. 

However, I have more than enough funds on my Credit Union checking account to pay the card in full, so I don't understand why my payment got rejected.

I also called my Credit Union to double check on their side, and eventually, my Credit Union advised to setup my account number correctly by adding " XXXX '' at the beginning and placing " XXXX '' at the end ( to point to my checking account ). 

Using this new setup, I posted a payment again on XX/XX/2025, and this XXXX attempt finally worked ( I was able to verify this because {$550.00} got deducted from my Credit Union checking account ). 

Because of the delays paying my Savor card, Capital One charged me {$15.00} in interest on XX/XX/2025. 

I called Capital One and asked if they can forgive the {$15.00} interest charge because I encountered difficulty in setting up my Credit Union, and they said they can not reverse the interest charges because it's a " system charge ''. 

I ended up paying the {$15.00} interest charge using my points balance, but I really didn't want to do that. 

I was hoping they could just reverse the {$15.00} because I do have a good reason why. 

Keep in mind that I used the same Credit Union external account to pay off my Savor card in the past and had not experienced problems before, so I felt I got robbed from this experience. 

I shouldn't be paying {$15.00} interest charge, but Capital One has no way of reversing that.

Company response to consumer: Closed with monetary relief