Capital One
Finance Charge After Payoff Led to Late Fees and Collections
- 07-13-2005
- 7
Ever see that commercial with the barbarians running wild and then consumer pulls the capital one no hassle card out of the wallet and is saved.
What a crock of *. I recently paid off my capital one balance. In March of this year or so I thought. Low and behold the next statement has a. 03 cent finance charge on it and a 13.00 finance charge from the month 2 months prior to the pay off. Somehow it was not accounted for in the balance due or is added in after you make payment the customer rep could not explain it quite right.
Anyway shame on me for not checking my email statements after thinking I paid the card in full. Going forward a few more months of 29.00 bucks a shot in past due fees on the 13.03 balance that was leftover finance charges and wow I owe 168.30 and my card that has been in good standing since the day I opened the account is sent to collections. I never got a phone call not at work not at home not on my cell to ask if something was wrong or if I lost the card nothing. I even pay for payment protection which did nothing to help.
Well I found out where those barbarians go after the commercial. My account!!! They plundered my money from my pocket and were completely unwilling to remove any charges in good faith or show that I have any value to them at all as a customer.
I will be closing the account after my payoff clears at which time I'm sure they will want to know why and offer me a coupon or better rate to stay on. It just burns me up that they can see my history with them and know that I am always on time and I pay for the extra services and not a single offer to remove the late fees or anything. Capital One platinum BS.
In a time when credit is so important to a person it would seem they did nothing to try and help the customer before trashing my credit by sending me to collections. I will be taking my money and credit elsewhere in the future. You should do the same.
Company: Capital One
Country: USA
State: California
City: City Of Industry
Address: PO Box 60024
Phone: 8009557070