Consumer complaint received 2025-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
XX/XX/XXXX was when we started having trouble making the payments. I was in contact with Captial One from XXXX XXXX XX/XX/XXXX I made several phone calls explaining that I was having a XXXX  XXXX, and I was in and out of the hospital. I asked Captial One if there is anything they could do to help me out because I was barely able to work, and we were down to one income. From XXXX of XXXX XXXX I had lot going on in my life that caused me to fall behind and I communicated this to Captial one. In XXXX of XXXX I requested for financial hardship stating that I could provide any information related to my medical issues and documentation of situations that my husband and I were facing at the time. We later received a letter of denial and from that time I have received eleven late payments that have been reported to the three reporting agencies. ( XXXX, XXXX, XXXX ) I have documentation from XX/XX/XXXX until XX/XX/XXXX that I have been admitted into the hospital several times ( XXXX XXXX ) during my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I advised my credit card company of this issue, and I believe that it was mishandled to allow them to continue to charge late fees to my account. At the time I was unaware of this issue XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Before I could return to work. At this time, I seen that I had eleven missed payments plus several late fees and interest charge to my account. I spoke to several managers at Capital One during this time and was unsuccessful at getting a resolution. 

I explained to several Capital One representative my circumstances and all they would do would relieve a couple of late fees. I returned to work in XX/XX/XXXX after healing from my XXXX It took a couple of months to reestablish myself and get a paycheck. This also had an impact on me being able to cover my payments. I went on XXXX different payment plans with Capital One to try and help with my account. When I accepted my XXXX XXXX XXXX XXXX XXXX, it was XXXX, so I didnt receive a check over the summer for XXXX of XXXX. This also impacted me because my husband and I were down to One income. We also faced my husband losing his job due to unforeseen circumstances. This all had a financial impact on our family and being able to pay my Capital One credit card. I communicated all these details to my Capital One and feel that I didnt receive any help. It wasnt until XXXX of XXXX that I received my XXXX XXXX XXXX that allowed me to earn a paycheck and return back to work from the medical stuff. I get once a month and didn't get my very first paycheck until XX/XX/XXXX, making it impossible for me to have made any payment before that date due to the circumstances.

Company response to consumer: Closed with non-monetary relief