Consumer complaint received 2025-03-10 00:00:00
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
State: MN

Complaint narrative:
Dollar Amount of Suspected Error : {$2800.00} Description of Problem : On XX/XX/XXXX I paid the XX/XX/XXXX statement of my Capital One Savor Credit Card bill of {$2800.00}, in full, twice from my Capital One 360 Performance Savings Account. This happened because I had set up an autopay, and manually paid the bill on the same day, resulting in XXXX payments of {$2800.00}, instead of XXXX. 

However, on XX/XX/XXXX I received a XXXX XXXX XXXX XXXX of {$2800.00}. I believe that this was because that my savings account did not have {$5700.00} ( my credit card statement, multiplied by XXXX ), and in such, only the automatic payment of {$2800.00} was able to go through, while the manual payment was deferred due to insufficient funds. I believe that because the manual payment was deferred, it was charged back to my account in the form of the Returned ACH Card Payment transaction on XX/XX/XXXX, as the system believed that I had not been able to pay off the full amount of my credit card bill. 

However, the Automatic Payment was able to pay off my credit card bill in full, meaning that there should not be a Returned ACH Card Payment of {$2800.00} on my account. I have reached out to the Capital One help line at least 3 times since then, and I was told that I was correct, and not to worry as the Returned ACH Payment should not show up on my XX/XX/XXXX Credit Card statement. I was also told that there was nothing that Capital One could do until I recieved my XX/XX/XXXX Credit Card statement, and to wait until then. 

Naturally, when I recieved the statement I saw that the charge was added to it, and that it was now accruing interest. When I called Capital One to talk to an agent about this, and how to resolve the issue, the agent was condescending and outright hostile, stating that Capital One had done nothing wrong and I simply did not pay off the interest of my XX/XX/XXXX statement ; which was absolutely not true as not only had I paid it in full, I had not recieved any whisper of that claim from any of the 3 other Capital One agents I had talked to up until that point.

I then looked on Capital Ones website to see what they recommended, and saw that if I mailed in a letter to their po box about my dispute they would take action. I went this route and sent in a letter to the following address, mailing it on XX/XX/XXXX, describing everything that had happened up until that point : Capital One Attn : Disputes XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX I had not heard anything from Capital One since I'd sent in the letter, and so I called in on Monday XX/XX/XXXX, to see if they'd recieved it and were moving forward with my billing dispute. After many redirects I was able to have the employee confirm that they had not received the letter, despite me sending it to the address listed on their Billing Rights summary page of their website : Capital One Attn : Disputes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I then informed the employee that I would send in another letter, this time with a tracking label, so I could verify that it had arrived and was claimed. That letter was sent on XX/XX/XXXX, arrived at the listed adress on the XXXX, and has not been picked up since. 

In summation, I believe that the charge of {$2800.00} made by Capital One that was posted on XX/XX/XXXX on my XXXX Credit Card was made in error due to me paying my credit card bill, in full, twice and it should be removed, along with any accrued interest as per their policy listed on Capital One 's Billing Rights summary page. 

Thank you for your time.

Company response to consumer: Closed with explanation