Consumer complaint received 2025-05-05 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Please RE-OPEN my complaint as response was due by XX/XX/year> and this is my response letter below. From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Customer Service Capital One Attn : Disputes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Continued Dispute of Late Fee Account Number XXXX Capital One case # - XXXX PA Attorney General # XXXX Dear Sir/Madam, I am writing in response to your letter denying my dispute concerning the late fee applied to my account. I received your response on XX/XX/year>. While you dismissed my dispute, you failed to provide actual transcripts and or recordings of the phone conversation in which I was allegedly informed of my payment due datesomething I explicitly requested. Furthermore, your representative previously stated that three letters were mailed to me prior to my payment becoming past due. Yet your representative has acknowledged that the envelopes bore no identifiable information linking them to Capital One, my account or a billing communication, and the dates you claim these letters were sent do not match any established billing cycle. Again I dispute the validity of the claim that these letters were sent without any proof of delivery to back up your claim. It is also important to note that your correspondence is being copied to the XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX That recipient information has not been supplied to me and has not been acknowledged in this letter due to the absence of a clearly designated mailing address and legal reason for that office to receive my credit card-related matters. I wanted to formally document that, despite my attempts to provide full transparency and proper notification, there has been no formal communication to that office due to unclear address protocols. As per the Fair Credit Billing Act ( FCBA ), I am again requesting a complete transcripts or the actual recordings of the call/calls you referenced, as well as copies and proof of delivery of the three alleged mailings. Note, any transcripts supplied must be the actual word for word transcripts generated by the digitally stored recordings in your phone system. They must include the timestamp, the phone agent ID and ALL metadata from the recorded call. Manually transcribed phone calls can be altered or contain errors and WILL NOT be accepted as valid proof of your claims. Without this documentation, I maintain that the late fee applied to my account is unsubstantiated and should be removed immediately. Additionally and as a direct ramification of your failure to remove this unsubstantiated late fee, I expect any additional late fees, other fees, or interest charges incurred by your lack of action to also be removed since your inaction has negatively impacted my credit account with you and also my credit rating. Your refusal to remove this fee and including all the ramifications of that failure within my credit account may be a violation of the Fair Credit Reporting Act ( FCRA ), as well as being a breach of contract and unfair business practices. Additionally I expect correction to be sent to all credit reporting agencies reflecting the removal of these fees /charges on my credit reports. This letter serves as a formal continuation of my dispute. I expect a full and detailed written response addressing each issue raised, along with the requested supporting documentation. As per the FCBA, creditors must respond to disputes within 30 days and must be resolved within two billing cycles ( but no more than 90 days ) Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX cc XXXX XXXXXXXX of Attorney General XXXX XXXX : CFPB

Company response to consumer: Closed with explanation