Checking or savings account -- Managing an account -- Complaint #10965489
Complaint Overview
Complaint ID: 10965489
Company: Capital One Financial Corporation
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Problem using a debit or ATM card
State: Ohio
ZIP Code: 45069
Date Received: 2024-11-28T12:00:00-05:00
Date Sent to Company: 2024-11-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Upon three occasions, {$100.00} has been deducted from my account. The first deduction occurred on XX/XX/year>, the second was on XX/XX/year> and the third was on XX/XX/year>. The three transactions occurred at an ATM in XXXX, Oh without physical access to my card. I called Capital One after the first and second transaction to dispute the claims. Capital One declined the claim on the basis that this was a Chip Card transaction. Capital One declined to provide any investigative evidence to support their rejection of my claim. They told me that there was no way for me to contact anyone other than the Claim 's department and that the Claim 's department was not able to discuss with the team that performs the investigation. On both XX/XX/XXXX and XX/XX/XXXX, I was physically in a facility several miles from the ATM where the transaction occurred. After this claim, Capital One issued a new card. On XX/XX/year>, the same ATM was used again to take out an amount of money equivalent to {$100.00}. Upon calling Capital One, they filed a claim on my behalf. However, they still are unable to provide to me information on why my previous claim was denied and any additional information. Even after discussing that all three transactions occurred when I was not physically near the ATM. I am currently out over {$300.00} and Capital One is rejecting my claims but yet not willing to provide any detail on their investigation. This is not acceptable that I am unable to obtain information on claims.
Frequently Asked Questions
What is Complaint #10965489 about?
Complaint #10965489 was filed against Capital One Financial Corporation regarding Checking or savings account specifically about Managing an account. It was received by the CFPB on 2024-11-28T12:00:00-05:00.
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.