Capital One Credit Card
Minimum payment amount changed without notice, then late fees charged

I pay my Capital One bill online. I am very good about paying, I don't want to mess up my credit anymore than the economy has already done. I haven't worked in over a year, so regretfully, I have been paying the minimum. I don't enter an amount, I just click on "pay minimum".
Today I got a notice in the mail stating I was a month behind. I knew I wasn't, so I called. I was told 2 months ago I paid $15 when in reality I owed $16. So a $39 fee was assessed. This happened again the next month even though I paid what I was told was the minimum!
I asked how they could charge me for paying what their website said I owed. The man had the nerve to tell me the bills mailed and the internet isn't always accurate. The only way I will get an accurate amount to pay is by calling Capital One before I make my payment! How is this legal? Is there is lawsuit out there addressing this issue? I've been charged $78 because they lied to me about what I owed. I asked the man "Are you serious? Can you honestly tell me you can say I owe one amount, when in reality I owe more, and then charge me a fee?" He said "Ma'am, the only way you're going to get an accurate amount of what is owed is by calling before paying your bill." If that's the case, we should all bombard Capital One's call center to question what we owe.

Company: Capital One Credit Card
Country: USA
Site: capitalone.com

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