Capital One has engaged in misleading practices and strategies, acting unfairly and exploiting loopholes to gain undue advantages over their customers and consumers regarding late fees. They utilize Visa and MasterCard systems, paying a service fee to these networks. While they incur an $8 charge for late fees, they impose a $40 fee on me and their other customers. By levying these exorbitant fees, they benefit at the expense of their customers and consumers. This constitutes unfair, deceptive, and misleading business practices. If you have fallen victim to late fees, please report them to the Consumer Financial Protection Bureau (CFPB) and reclaim your funds. Begin to reclaim your power by understanding the actions of these major credit card issuers. You are entitled to compensation for their abusive practices. It is time for us to unite and boycott Capital One.