I had a Capital One Visa Platinum account for several years. I have excellent credit and my interest rate was 8.9%. Last year I received a notice that Capital One would be changing my interest rate to a higher rate. I had to call and opt out if I did not wish to continue using my card. I opted out and asked to close my account. I was told I could continue paying off my account at the 8.9% rate of interest.
I received my statement for August and paid off the balance in full, $7,359.15. My check posted to my account on Sept. 24, 4 full days before the payment was due. I checked my online account on Sept. 24 and saw that my account balance was zero (0).
Imagine my surprise when I received an online statement saying I owed another $36.05. I wrote an email to the customer service center on October 5, describing my surprise and displeasure. I had previously tried the customer service number posted on my card, no luck. Could not reach a human being.
I called customer service again on October 10 and after punching the 0 button 5 or 6 times reached a customer service representative by the name of Leonard. He spoke with an accent, such as one found in India, and I have to wear hearing aids, so communication was a problem from the word go. I asked what the charge was for and was told since I had not paid off the balance the month before it had not been paid in the billing cycle. He also said neither he nor anyone else there could do anything about removing this fee. So much for "Customer Service".
Apparently, Capital One is out to wring every nickel they can from the consumer. I am very angry about this outrageous fee. I feel it is basically extortion. If you have a Capitol One card in your wallet, then you have the barbarians in there with it.
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