Consumer complaint received 2025-02-15 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: GA

Complaint narrative:
Capital One has charged LATE FEES every month for over a year. Im enrolled in autopay. bank shows the fees are not requested from Capital One until AFTER the due date. Ive called in to pay and AGAIN it is the same. Ive reported this and nothings ever done. As the photos show they charge late fees the day the payment is DUE! My bank has NO payments for Capital One. I cnontacted XXXX XXXX XXXX XX/XX/XXXX ... XXXX days past the due date and now the card is maxed out and its due to EVERY month having late fees. Calling doesnt help, mailing monthly printouts of proof doesnt help and Ive submitted here to XXXX XXXX XXXX XXXX and nothing is done. Last month Capital One was laughing about it when i called. I recorded it and Capital One rep only said later they would reach back out. This is horrible! I have update XXXX  daily showing emails from Capital One charging more and more. XXXX XXXX was and has always been {$25.00}, Then {$35.00} and NOW see the photos! Minimum is over {$60.00} and Im on autopay as you can see from the photos sent from CAPITAL ONE and my bank has had NO payment requested from Capital One as usual! They dont deduct or post payments until way after the due date and charge late fees! Every month for 14 months. The amount will never decrease. That day the payment was due ( the XXXX ) Capital One sent an email saying I would have a bank statement showing late fee. Theyve never adjusted in over a year. I shouldnt have to pay for their fraudulent charges. See the photos. money in the bank, auto pay is on and fees keep increasing. Im not using the card, Ive been seeing how high the amount would go. Its a {$500.00} limit. Ive paid on time ALWAYS and its nearly {$600.00} from LATE FEES. Posting on other sites as well. If you see from the first photo, I was making a XXXX payment knowing the autopay of {$25.00} would also deduct from my bank. NEITHER was deducted. The bank has seen NOTHING come through or attempt to come from Capital One. Messages ( emails ) from Capital One on the same day says XXXX auto pay amount {$25.00} XXXX. Auto Pay amount {$35.00} ... .and lastly Auto pay amount {$67.00}.! My monthly amount is {$25.00}. I have not been using my card... I pay BEFORE time because I am on autopay so there shouldnt be any late fees ... .EVER but I also tried to make payments on top of the normal auto pay monthly amounts of {$25.00}. Capital One does not make this monthly in a ntimely manner. Better Business Bureau AND Capital One contact messages I sent all show the messages from Capital One ... from my bank clearly showing money in my account ... OTHER bank debits going through but nothing from CAPITAL ONE. Today is XXXX of XX/XX/year> and my auto payment due on the XXXX of XXXX STILL has not went through my bank. After calling Capital One as I do EVERY MONTH they say theres nothing they can do about late fees. Keep in mind I called on XX/XX/XXXX at XXXX ... XXXX XXXX XXXX XXXX I am sharing with with everyone to show how crooked Capital One is and how there is no help. I can not and will not keep paying when the fees keep getting higher due to capital one charges fraudulent fees every month. My card has a {$500.00} limit. I pay on time so how is the amount nearly {$600.00}? XXXX XXXX XXXX XXXX has photos as does Capital One. I have updated XXXX  twice to show the changes since XX/XX/XXXX. I uploaded some photos. It will not allow all. I can em, ail if you send me an email address.

Company response to consumer: Closed with monetary relief