Consumer complaint received 2025-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XX/XX/XXXX, I called the Customer Service Department with Capital One. Once again on my account ending in XXXX. There was an a disputed Annual Fee accessed on this Credit Card.

Each year I called to ask why, since all the other Capital One Card have no fee. Nor does any other credit card in my possession ( regardless of the creditor ). In previous years ( since XXXX ) instead of issuing a card without fees as with my other cards, the Annual Fee has been waived. This has allowed me to keep this account active, since it is one of the longest standing accounts I have with Capital One, and gives me a long history of Credit Reporting.

This year I called and my call was elevated to an Account Supervisor named XXXX. XXXX refuse to waive the Annual fee, breaking 5 years or more of precedent. I immediately cancelled this card as a result. But this left a balance due of {$29.00} ( a residual amount from this annual fee ) on this account. I wish not to pay this amount since I haven't paid it in 5 years, and since I had already disputed it in the first place. I will no longer be using this account in the future. 

Please note the attached copies of billing statements from XXXX - XX/XX/XXXX. You will note that Capital One first charged this annual fee in XX/XX/XXXX. At the time the only charge to this credit card was a subscription to XXXX XXXX in the amount of {$15.00} ( going back to XX/XX/XXXX ). In fact this subscription to XXXX XXXX has apparently been the only charge to this account for some time. 

When this annual fee was charged, my autopay was the exact amount of the subscription charge {$15.00}. However, once the annual fee was charged in XX/XX/XXXX my auto pay increased to {$25.00}. Starting in XXXX the excess {$9.00} ( $ XXXX {$15.00} ) was paid toward the {$39.00} annual fee ( plus interest ). This subsequntly continued from XX/XX/XXXX to XX/XX/XXXX. Paying a total {$36.00} toward an annual fee that I disputed from the start. 

The records will show that Capital One reversed this charge ( including interest ) each year from XXXX to XXXX. It was an understanding that since all my other credit cards in my possession ( regardless of the creditor ) did not charge an annual fee this fee would be waived each year. And the only way I would keep this account active is if it is waived. This understanding was honored unitl this year. Last Year I was adamant that the only way I would reinstate my autopay is if I would not have to be concerned about this annual fee being charged and not waived. Because I did not want to fight Capital One for my money back. Which is where I am today. 

Why would I pay an annual fee on an account that is no longer open / active account? Or that I no longer intend to use. It is like paying an annual fee on that XXXX subscription when I no longer have access to the service. And what is really unethical is, Capital One wanting to keep my {$36.00} for ( an annual fee ) and service I will no longer have access to or continue to use? 

I am no longer concerned about Capital One waiving the annual fee. But I am concerned about Capital One keeping my {$36.00} they skimmed off the top of my autopayment ( after increasing my payment to cover the annual fee ). Even collecting another {$9.00} after I requested that the account be closed. Apparently, Capital One has a bot auto-responding to my inquiry. Bacause if they did the math it is obvious that they took {$36.00} of my money for a disputed annual fee. This appears to be highly illegal. 

Sincerely. 


XXXX XXXX

Company response to consumer: Closed with explanation