Debt or credit management -- Unauthorized withdrawals or charges -- Complaint #12410074
Complaint Overview
Complaint ID: 12410074
Company: Capital One Financial Corporation
Product: Debt or credit management
Sub-Product: Debt settlement
Issue: Unauthorized withdrawals or charges
State: Rhode Island
ZIP Code: 02895
Date Received: 2025-03-09T12:00:00-05:00
Date Sent to Company: 2025-03-09T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/scrub>/25 I attempted to deposit money into my account, which had a negative balance of - {$0.00}. I first deposited {$10.00}, but instead of bringing my balance to a positive amount, my account still showed a negative balance. I then deposited an additional {$2.00}, expecting my balance to reflect a total deposit of {$12.00}. However, my account then showed a negative balance of - {$12.00}. I contacted Capital One to address this issue, and I was informed that I still owed {$12.00}, despite having proof of my deposits. I spoke with a manager named XXXX ( Consumer ID : XXXX ), who stated that the issue should be resolved by tomorrow and that I should receive my money back. However, I believe these overdraft fees and negative balances were applied incorrectly, and I am seeking clarification and resolution for this issue.
Frequently Asked Questions
What is Complaint #12410074 about?
Complaint #12410074 was filed against Capital One Financial Corporation regarding Debt or credit management specifically about Unauthorized withdrawals or charges. It was received by the CFPB on 2025-03-09T12:00:00-05:00.
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 (Debt or credit management) 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.