Consumer complaint received 2023-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Comenity bank stole XXXX from me. I assume they knew already that they were losing the BJs accounts so they schemed on how they could bilk us before they lost the market share so they fraudulently made my autmatic monthly payment late by crediting it after XXXX on the due date instead of during the day as it be set to do for years. 

I had my legal councel attemp to remedy this and stil no relief. This is the letter to comenity : Please reference our File Number XXXX when Replying Customer Service XXXX XXXX XXXX XXXX, OH XXXX XXXX : XXXX XXXX Comenity BJs Wholesale XXXX XXXX XXXX No. : XXXX Dear Customer Service : I am writing this letter on behalf of XXXX XXXX XXXX. I have discussed this matter with XXXX XXXX, and as a result, XXXX XXXX hereby makes the demands stated below. 
As a result of your companys actions, XXXX XXXX demands that he receive a refund in the amount of {$260.00} for interest payments and a foreign currency fee. According to XXXX XXXX 
XXXX, on XX/XX/2022, the automatic payment did not come out of his account. He called when he received the paper statement and discovered that the payment was not made. XXXX XXXX 
XXXX account has been set on automatic payment and electronic statement for years. Your company informed him that a new system was installed and that caused the problem. The finance charge posted to his account on XX/XX/XXXX when payment was made on the right day, but after XXXX. This made that payment late even though XXXX XXXX had not changed anything about the automatic payments. He called and requested to speak to a supervisor on XX/XX/XXXX and spoke with XXXX who gave him case number XXXX. XXXX told him that the payment was received after XXXX. He called several more times and he was not given any help. 
He was informed that it would take XXXX ( XXXX ) days to review the case. As you are aware, it is past 90 days and he has not received a resolution. XXXX XXXX is requesting a refund based on the following : XXXX Interest : {$140.00} XXXX Interest : {$260.00} Foreign Currency Fee : {$3.00} Total : {$260.00} XXXX XXXX is very upset by his treatment regarding this account. He is XXXX of your companys long-term customers and was not notified of a new system upgrade that turned off his automatic payments. XXXX XXXX has taken his payments off of auto due to the lack of trust he now has with your company. He now pays well in advance each month since this incident occurred. It is XXXX XXXX position that he was deliberately targeted because he carries a high balance each month ; although he pays it off each and every month without failure. He is not pleased with your companys fraudulent behavior. 
This shall be considered XXXX XXXX formal and final demand. If XXXX XXXX demands are not met within XXXX ( XXXX ) days of the date of this correspondence, then XXXX XXXX has indicated that he will seek additional legal assistance with this matter. Please send any response directly to my attention at my firms address, above. 
Thank you for your prompt attention to this matter. 
Very truly yours, XXXX...

Company response to consumer: Closed with explanation