Consumer complaint received 2025-01-23 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: DE

Complaint narrative:
XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Against Capital One Regarding Disputed Charges and Improper Account Handling Dear CFPB Team, I am writing to formally complain to Capital One regarding the mishandling of disputes on my XXXX  account XXXX ending in # XXXX ) and its subsequent negative impact on my credit report. Below, I outline the details of my grievance for your review and assistance : XXXX. Account Closure and Disputed Charges On XX/XX/XXXX, I closed my Capital One XXXX account ( see the attached ). At the time, there were two disputed charges with the merchant XXXX : XX/XX/XXXX : {$110.00} ( Capital One case # XXXX cleared ) XX/XX/XXXX : {$110.00} ( Capital One case # XXXX remains unresolved ). 
XXXX. Merchant Credits Issued ( see the attached ) On XX/XX/XXXX, the merchant provided documentation confirming a {$110.00} credit issued to Capital One. 
On XX/XX/XXXX, the merchant issued another {$110.00} credit, ensuring the disputes were resolved and my account should have reflected a {$0.00} balance. 
XXXX. Capital One Errors and Charges Despite the credits, I received a letter dated XX/XX/XXXX, stating Capital One had charged my account {$110.00} ( see the attached ) in addition to the same charge made on XX/XX/XXXX for the same case # XXXX ( see the attached ), along with a {$40.00} late fee and interest ( see the attached ). This has negatively affected my credit report. 
On XX/XX/XXXX, I was informed by a Capital One representative that my account had been credited and would show a {$0.00} balance. 
However, during a follow-up call on XX/XX/XXXX, I was informed that the {$110.00} charge had been reapplied due to an internal error. 
XXXX. Attempts to Resolve the Issue I have made multiple attempts to resolve this issue with Capital One through phone calls on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX ; and XX/XX/XXXX. 
Despite these efforts, Capital One has failed to resolve the dispute and correct their errors. I have protested the additional charges and late fees, as I should not be held responsible for mistakes on their end. 
XXXX. Request for Assistance I respectfully request the CFPBs intervention to ensure Capital One : Corrects my account to reflect a {$0.00} balance. 
Removes the {$110.00} duplicated charge, late fees, and any associated interest. 
Rectifies any negative impact on my credit report resulting from their errors. 
Enclosed, I have provided documentation supporting my claims, including correspondence with Capital One, proof of credits issued by the merchant, and the letter from Capital One dated XX/XX/XXXX. 
Thank you for your attention to this matter. I look forward to your assistance in resolving this issue promptly. Please feel free to contact me if further information or documentation is needed. 
Sincerely, XXXX XXXX XXXX [ Attachment : Supporting Documents ]

Company response to consumer: Closed with monetary relief