Consumer complaint received 2025-03-04 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: IN

Complaint narrative:
I've had this Cabelas Capital One Credit Card since XXXX. Never have I not paid each month bill in full when received. My current credit rating is XXXX. I am reporting fraud on the part of Capital one credit card company. My Capital One payment mailing location changed XX/XX/XXXX from my payment being mailed to XXXX XXXX, XXXX to XXXX XXXX, XXXX. I live in XXXX XXXX. I am old school, I like to receive my bill in the mail, write a check and mail it within 1-2 days of receiving bill. My bill is due on XXXX of each month. 
Starting with XX/XX/XXXX Credit card statement, I wrote check for full amt of {$970.00} on XX/XX/XXXX and mailed it, again it was due XX/XX/XXXX, but didn't post until XX/XX/XXXX. On XX/XX/XXXX I was charged {$27.00} past due fee and on XXXX was charged interest fee of {$28.00}. Then XX/XX/XXXX statement for {$1600.00} paid in full by writing XXXX  # XXXX on XX/XX/XXXX and mailing then, due XX/XX/XXXX, posted XX/XX/XXXX. I did not catch the fees I was charged as I've never been late on a credit card bill ever! On XXXX I was charged interest fee of {$14.00}?? Not sure why.. then received XX/XX/XXXX statement and wrote check # XXXX on XX/XX/XXXX for full amt of {$1000.00}, due XX/XX/XXXX, posted XX/XX/XXXX. On XX/XX/XXXX I received XX/XX/XXXX statement immediately wrote full payment of {$1600.00} with check # XXXX and mailed back on same day. I contacted credit card company regarding fees and the {$14.00} fee was waived XX/XX/XXXX. Again payment was due XX/XX/XXXX ( mailed XX/XX/XXXX ) and did not post until XX/XX/XXXX ( 17 days after mailing payment ). I was charged late fee of {$27.00} again on XX/XX/XXXX, but called and they credited {$27.00} late fee on XX/XX/XXXX. Was charged on XXXX an interest charge of {$24.00}, but that was credited on XXXX. Again both charges were due to bill taking 17 days to get to XXXX XXXX payment site. At this point I have STOPPED using this credit card with last charge applied to card on XX/XX/XXXX and LOCKED credit card because this payment process that worked for 13 years since opening account in XXXX, suddenly didn't anymore as of XX/XX/XXXX. 
I then paid XX/XX/XXXX statement by printing the statement early from my online account and mailing by HANDWRITTEN envelope with Check # XXXX for full amount of {$800.00} mailed to XXXX XXXX, XXXX  location on XXXX, which posted on XX/XX/XXXX. At this point all late fees and interest charges have either been paid or waived thru XX/XX/XXXX. I get email on XX/XX/XXXX that my card card statement is ready. I'm thinking ok, no charges should be on this Statement because I stop using the card after XX/XX/XXXX. Nope, interest charge of {$3.00} is due! WHAT!!! HOW??? I called Capital One to get fee waived as my last month statement was paid in full well on time and all charges from previous bills were waived and they said NO we can't waive this {$3.00}. I asked to speak to a supervisor, and she told me the same thing. {$3.00} is due by XX/XX/XXXX. I asked to speak to her supervisor and was told she is last stop and this is final decision! She said, it's the customers option to use the XXXX to mail payments, but it's not credit card company fault if it doesn't get there on time when their statements clearly say, " please allow 7 days for mailing payment. '' I am absolutely APPALLED that a credit card company can do this and a long standing,, customer with credit score of XXXX ( has been over XXXX for years ) has no recourse to this ridiculous {$3.00} charge. Really! It's not the {$3.00} which i can more than afford, it's the principle that its an erroneous, unfounded charge that they won't waive.

Company response to consumer: Closed with explanation