Credit card -- Problem with a purchase shown on your statement -- Complaint #17801047
Complaint Overview
Complaint ID: 17801047
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: Credit card company isn't resolving a dispute about a purchase on your statement
State: Massachusetts
ZIP Code: 026XX
Date Received: 2025-11-21T12:00:00-05:00
Date Sent to Company: 2025-11-21T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Beginning in XX/XX/year>, XXXX began charging my credit card monthly, starting with {$1.00} charges on XX/XX/year> and XX/XX/year>, then increasing to {$41.00} monthly from XXXX through XX/XX/year>. I never authorized or signed up for any XXXX plan during this time. I also never received any confirmation emails, invoices, or billing notifications from XXXX corresponding to these charges. When I noticed the unauthorized transactions, I filed disputes with my card issuer, Capital One, for each charge. Initially, Capital One credited back the two {$1.00} charges from XXXX and XX/XX/year>, confirming those were valid disputes. However, for the later {$41.00} charges, Capital One denied my disputes, citing no cancellation received per policy, even though I had no active account, no record of any subscription, and no communication from XXXX confirming these payments. I logged into both of my known XXXX accounts and verified there were no billing records or payment history for any of these charges. I also searched my email thoroughly ( all inboxes and spam folders ) and found no messages from XXXX confirming any subscription, account creation, or payment activity. I attempted to provide this documentation to Capital One : screenshots showing no billing records or emails, and evidence that XXXX never confirmed any subscription. Despite this, Capital One closed each case, stating that my response lacked required documentation, without specifying what additional information was needed. The charges continue to appear tied to random XXXX merchant IDs ( such as XXXX * XXXX and others ), but XXXX own support tools and account portals do not show any connection to me.
Frequently Asked Questions
What is Complaint #17801047 about?
Complaint #17801047 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 2025-11-21T12:00:00-05:00.
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.