Credit card -- Problem with a purchase shown on your statement -- Complaint #11003563
Complaint Overview
Complaint ID: 11003563
Company: Capital One Financial Corporation
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-Issue: Card was charged for something you did not purchase with the card
State: California
ZIP Code: XXXXX
Date Received: 2024-12-02T12:00:00-05:00
Date Sent to Company: 2024-12-02T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XX/XX/year> Re : Credit Card Fraud Report - Unauthorized Airport Transaction Dear Sir/Madam, I am writing to report fraudulent activity on my Capital One credit card. I have identified an unauthorized transaction that requires investigation : Transaction Details : Merchant : XXXX Amount : {$1300.00} USD Date : XX/XX/year> I have substantial evidence suggesting my credit card information was compromised during a dining experience at XXXX XXXX XXXX where my card was taken to a back office due to an allegedly malfunctioning card reader. This was the only instance where my card left my possession. Despite having notifications enabled for all transactions, I did not receive any alert for this unauthorized charge. The transaction is labeled as lodging ; however, I can definitively prove that my legitimate lodging was at the XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX through XX/XX/year>. Capital One has not provided the merchants contact information or account details where the funds were transferred. To support my case, I am providing the following documentation that establishes my legitimate transactions and whereabouts during this period : Car rental receipt XXXX XXXXXXXX baggage fee receipt XXXX XXXX lunch receipt ( where the card was taken to the back office ) XXXXXXXX XXXX XXXX receipt and credit card statement Despite providing this documentation to Capital One, my dispute has been denied. I am requesting a formal police investigation into this matter, as I believe this may be part of a credit card skimming operation. Additionally, I will be filing complaints with the Consumer Financial Protection Bureau and the Office of the Comptroller of the Currency ( OCC ). Contact Information : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX Please advise on any additional information or documentation required to proceed with this investigation. Sincerely,
Frequently Asked Questions
What is Complaint #11003563 about?
Complaint #11003563 was filed against Capital One Financial Corporation regarding Credit card specifically about Problem with a purchase shown on your statement. It was received by the CFPB on 2024-12-02T12:00:00-05:00.
How did Capital One Financial Corporation respond to this complaint?
The company responded with: "Closed with monetary relief". 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 (Credit card) 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.