Consumer complaint received 2026-04-14 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: VA

Complaint narrative:
Full Name : XXXX XXXX XXXX Digits of Account : XXXX : XXXX : XXXX / XXXX am submitting a formal complaint regarding XXXX XXXX and their handling of my credit card account during a period of financial hardship.In or around XX/XX/year>, I notified XXXX that I was experiencing financial hardship due to caregiving responsibilities for my parents, who were both seriously ill. My father was undergoing XXXX XXXX, and my mother was dealing with significant XXXX and medical issues requiring hospitalization. During this time, I was out of town assisting them and was not working.I made a good faith effort to request hardship assistance, including options to pause or reduce interest and fees. Despite this notice, XXXX did not provide meaningful assistance, did not place my account into a hardship program, and did not offer reasonable alternatives.Since XX/XX/year>, my balance has continued to increase solely due to interest and fees. As of today, my balance is approximately {$5000.00} with a minimum payment of {$610.00}, despite the fact that I am not using the card and have taken steps to prevent further charges.Additionally, I have experienced ongoing difficulty accessing my account information. I have not been able to view a clear breakdown of charges or account activity since XX/XX/year>, which has prevented me from properly understanding or managing the account.I also filed a complaint with the Consumer Financial Protection Bureau ( CFPB ). While the complaint was forwarded to XXXX, I have not received any direct phone call, meaningful follow-up, or documented resolution from the company.I have now returned to Virginia and am actively seeking employment, but I have not yet resumed income.This situation is negatively impacting my credit. My credit score was previously near XXXX, and this continued balance increase without resolution is causing harm to my credit standing.I am requesting : A formal review of my account for hardship assistance Reduction or removal of accrued interest and fees during my hardship period Full transparency and access to account history and charges A clear written response regarding the status of my accountI believe XXXX failed to reasonably respond to a documented hardship request, failed to provide proper account access, and allowed the balance to grow without offering appropriate assistance.I respectfully request a full review of this matter. I would also like my prior payment history to be considered as part of this review. For nearly XXXX years, I maintained my account in good standing and was never late on payments. This history reflects my commitment to meeting my financial obligations, and I am requesting that it be taken into account when evaluating my current hardship situation. Additionally, I previously made a payment on the account which was deducted, but the payment did not properly reflect on my account balance. It appeared as though the payment was removed or not applied correctly. This has added to my concern regarding the accuracy and transparency of my account. Please see attachment ( s ) for further details.

Company response to consumer: Closed with explanation