Checking or savings account -- Problem with a lender or other company charging your account -- Complaint #10453561
Complaint Overview
Complaint ID: 10453561
Company: Capital One Financial Corporation
Product: Checking or savings account
Sub-Product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-Issue: Transaction was not authorized
State: New York
ZIP Code: 11385
Date Received: 2024-10-14T12:00:00-05:00
Date Sent to Company: 2024-10-14T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to formally dispute an unauthorized transaction involving my credit card account, after the Banks Fraud Operations refused to resolve the issue. I requested an advanced payment from my Capital One credit card company in mid-XXXX of XXXX. However, I noticed that my advanced payment was cashed without my authorization by an unauthorized company called XXXX XXXX XXXX XXXX XXXX on XX/XX/year>. I Contacted the credit company fraud department, I received two notices issued within the same day, one states the issue was resolved and the other one states they believe that me or another beneficiary benefited from the transaction which is not true. I Confirm that I never received or cash the advanced payment check Please find enclosed copies of any relevant documents, including a copy of the cashed check and correspondences from the credit card company. I expect a prompt resolution to this matter and appreciate your attention to this issue. Should you need any further information from my side, please do not hesitate to contact me at XXXX XXXX XXXX XXXX Thank you for your assistance.
Frequently Asked Questions
What is Complaint #10453561 about?
Complaint #10453561 was filed against Capital One Financial Corporation regarding Checking or savings account specifically about Problem with a lender or other company charging your account. It was received by the CFPB on 2024-10-14T12:00:00-05:00.
How did Capital One Financial Corporation respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Checking or savings account) and describe your issue in detail.
Can I see other complaints against Capital One Financial Corporation?
Yes, visit the Capital One Financial Corporation company profile at readthecomplaint.com/company/capital-one-financial-corporation to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.