Credit card -- Other features, terms, or problems -- Complaint #14454972
Complaint Overview
Complaint ID: 14454972
Company: Capital One Financial Corporation
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-Issue: Other problem
State: New York
ZIP Code: 100XX
Date Received: 2025-07-03T12:00:00-05:00
Date Sent to Company: 2025-07-03T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
Capital One XXXX credit card charged an annual fee from a XXXX XXXX account that I had closed last XXXX. I saw it on my XXXX card statement online and called them right away saying that account had been cancelled. Credit card person didn't speak XXXX very well and it took a while for me to understand that a " virtual card '' had been created for the charge. I already have a " virtual '' card to protect against giving my real card number for online orders. It took me a while to grasp that it wasn't my " virtual '' card number used, but one created just to put this phony charge through. XXXX then agreed to dispute the charge and gave me a temporary credit. It seems like a crime to me that any merchant can put through any charge they want by following this despicable practice. I called later to Capital One and finally got a so-called supervisor in the XXXX who insisted that this is common practice. I asked her to send me an email to that effect, but she said that they were not allowed to send emails. If this is not against the law, it SHOULD BE.
Frequently Asked Questions
What is Complaint #14454972 about?
Complaint #14454972 was filed against Capital One Financial Corporation regarding Credit card specifically about Other features, terms, or problems. It was received by the CFPB on 2025-07-03T12:00:00-05:00.
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 (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.